When purchasing automobile insurance, being well-informed is essential for making intelligent decisions due to the various factors involved. One critical decision is whether to invest in uninsured motorists (UM) and underinsured motorists (UIM) coverage.
To ensure excellent home insurance coverage, prioritize value over price. Understanding the essential components of a comprehensive insurance plan for your home, valuables, and liability is crucial whether you’re a new homeowner or have owned your home for some time.
Data security and privacy remain paramount for businesses across all scales due to the diverse sources of cyber attacks and data breaches. These threats encompass both external criminals and internal factors, necessitating protection against various risks such as document loss, employee misconduct, and online intrusions. Implementing a three-pronged approach is essential for safeguarding private information.
The House of Representatives is set to deliberate on legislation proposed by the Financial Services Committee, aimed at regulating Transportation Network Companies (TNCs) such as Uber and Lyft. The proposed legislation establishes a new regulatory division, Ride For Hire, within the Department of Public Utilities, responsible for overseeing TNCs and their drivers, ensuring compliance with insurance requirements and background checks.
Earning from services like driving for Uber or renting out your home on Airbnb can be appealing, but standard personal auto and home insurance policies do not provide coverage for these activities, potentially leaving you exposed to significant gaps in coverage in the event of an accident. It’s essential to explore specialized insurance options tailored to these ventures to ensure adequate protection for your assets and liabilities.
Effectively managing insurance costs extends beyond coverage limits, options, and premiums; it includes evaluating the deductibles you’re comfortable paying out of pocket.
If you haven’t heard it often, we want to express our sincere gratitude for your business. Choosing Murphy Insurance means entrusting us with safeguarding what matters most in your life, whether personal, business, or both, and we are committed to delivering excellent value consistently.
In America, a home burglary happens every 13 seconds, emphasizing the importance of taking preventive measures. Homeowners can significantly lower their risk of falling victim to this crime by implementing various security measures.
With the accessibility of affordable technology, home-based businesses are on the rise. However, operating a business from home alters the risk factors and characteristics of your residence in the eyes of your homeowners insurance provider.
Borrowing or driving a friend’s car is common, yet we often overlook coverage considerations. It’s important to be aware of exclusions and conditions in auto policies, particularly regarding “regular use” and “business use” coverage issues.